Kaila and Mark Nickel were saving to buy a house. But their plans took a detour when Penny, their miniature Schnauzer, started shivering uncontrollably one evening last summer.

In an effort to find out why, the Nickels dipped deep into their down payment fund.

Veterinarians told the Nickels that X-rays revealed an unknown mass in Penny's stomach. The 2-year-old was unlikely to have cancer, so the vets recommended exploratory surgery. The mass turned out to be a collection of blood, yet the doctors never determined where it came from or what caused it.

Penny is doing fine now, but the Edmond, Okla., couple's bank balance is still recovering. The surgery, medication and subsequent vet visits cost nearly $4,000.

Complete your profile to continue reading and get FREE access to BenefitsPRO, part of your ALM digital membership.

  • Critical BenefitsPRO information including cutting edge post-reform success strategies, access to educational webcasts and videos, resources from industry leaders, and informative Newsletters.
  • Exclusive discounts on ALM, BenefitsPRO magazine and BenefitsPRO.com events
  • Access to other award-winning ALM websites including ThinkAdvisor.com and Law.com
NOT FOR REPRINT

© 2024 ALM Global, LLC, All Rights Reserved. Request academic re-use from www.copyright.com. All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.